Hi all, I've currently got 3 business loans (personal guaranteed), overdraft and credit card.. the 3 loans, I have about 18 months left. my business involves me working physically and the loans were taken out on the assumption of me physically being able to carry out the work form now til eternity. When I have to subcontract, the income is far less as you can imagine. Problem now is that I can no longer carry out the work due to injury and certainly not to the extent that i would normally.. in order to keep the business going, i have to sub out the work, which of course leaves me with very little. Im struggling now each month to meet loan repayments, havent missed any but it is causing me a lot of stress. Im just wondering if anyone else has been in same shoes, is it worth renegotiating the loans for a less amount over a longer term because of my health? Problem is I have the 3 loans, OD and CC. I asked the bank for a temp overdraft last month, something i would have no problem getting straight away and have got many times before but was declined so im not sure if the bank would be up for any renegotiation.. also because i have been strapped with these loans for 3 years now, i want to clear them and dont want to be stuck with them for another 5 years starting a new loan.. I also have a personal loan out, overdraft and credit union loan out too.. these avenues are closed Things are starting to get hot as i am unable to pay the sub contractors plus i have revenue and sheriff right up my backside, cant see any way out..